AI-Powered Underwriting That Approves More, Risks Less
Go beyond credit scores with intelligent decisioning that considers the full financial picture. Approve more qualified borrowers while reducing default risk.
Credit Scores Miss the Full Picture
Traditional underwriting relies on outdated metrics. Aloan Logic uses AI to analyze what traditional credit bureaus can't see.
Multi-Factor Analysis
Combines credit, cash flow, collateral quality, and behavioral patterns for holistic risk assessment.
Pattern Recognition
AI identifies subtle patterns in financial behavior that predict repayment ability better than scores alone.
Pricing Optimization
Risk-based pricing that maximizes profitability while remaining competitive in the market.
How Aloan Logic Works
Intelligent decisioning powered by advanced AI
Analyzes credit reports from all major bureaus
Processes cash flow data from bank statements
Evaluates collateral depreciation curves
Detects spending patterns and risk flags
Applies your custom credit box rules
Generates instant preapproval decisions
Provides explainable AI reasoning
Continuously learns from outcomes
Instant Preapproval Engine
Automated decisioning for qualified applicants in seconds
Real-Time Decisions
Instant preapproval in under 30 seconds
No manual review required
Risk Controls
Configurable approval thresholds
Always within your risk tolerance
Performance Tracking
Monitor approval rates and outcomes
Continuously optimize decisions
Configure Your Credit Box
Aloan Logic adapts to your lending criteria, not the other way around.
Custom Scoring Models
Define your own risk weights and thresholds
Geographic Rules
Set different criteria by state or region
Collateral Policies
Customize LTV limits by vehicle type
Customizable AI Engine
Proven Results
Real impact from AI-powered decisioning
AI approves qualified borrowers that traditional methods decline
Better risk assessment reduces portfolio losses
Instant preapprovals improve customer experience
Transparent & Explainable AI
Understand every decision. Our AI provides clear reasoning for approvals and denials, ensuring regulatory compliance and building trust.
Decision Factors
See which factors contributed to each decision
Adverse Action Notices
Automated generation of compliant notices
See Aloan Logic in Action
Discover how AI-powered underwriting can transform your lending business.
Schedule a Demo